HLLQP Top-Up Course
Who is this course for?
You want a new career with low startup costs and high income potential.
You’re a career changer looking for flexible, remote work options.
You're interested in helping others protect their families and future.
You’re motivated to work independently or build your own business.
You want to get licensed fast, with full support along the way.
Details
HLLQP Top-Up Program (Except Quebec)
This FSRA-approved Top-Up course is designed for licensed Accident & Sickness (A&S) agents who wish to expand their licence to include Life Insurance and Segregated Funds in Canada.
Course Length: Approximately 40 hours.
Format: Self-paced online access, with options to join live webinars.
Practice Exams: Unlimited, with instant feedback.
Certification Exams: Two modules (Life Insurance and Segregated Funds), each with up to four attempts. Passing grade: 60%.
Enrollment Period: 12 months of access from registration.
Language: English.
This course is your first step toward becoming a Full licensed life insurance insurance agent. Learn more about the licensing process by clicking here.
Prerequisites for the HLLQP Online Course
The HLLQP Top-up Online Course is open to those who are licensed Accident & Sickness (A&S) agents.
Prerequisites for Licensing in Ontario
After completing the Accident & Sickness (A&S) course and passing all certification exams, you must meet the following licensing requirements set by the Financial Services Regulatory Authority of Ontario (FSRA) to become a fully licensed life insurance agent:
- Be sponsored by a licensed insurer for your first two years as an agent.
- Complete the online Life Insurance Agent application through Licensing Link and pay the required fee.
- Conduct business only under the name in which you are licensed, and act in good faith as a life insurance agent.
- Not engage in any business or occupation that could compromise your integrity, independence, or competence.
- Be of good character and reputation.
- Be a suitable person to receive a licence and meet all regulatory requirements.
- Provide FSRA with a valid Ontario mailing address.
- Maintain appropriate Errors and Omissions (E&O) insurance coverage.
Curriculum
Life Insurance
Understand the foundations of life insurance, including policy types, needs analysis, and how insurance fits into a client’s financial plan.
View table of contents →
Taxation Principles
Learn how taxation applies to life insurance products, including premiums, death benefits, and tax-sheltered growth.
View table of contents →
Segregated Funds
Explore how segregated funds work, how they differ from mutual funds, and their use in insurance-based investing.
View table of contents →
About the Certification Exams
To earn your top up Life insurance certification, you must pass TWO separate online exams—one for each core module of the course. These exams are required before you’re eligible to write the provincial licensing exam.
Exam Format: Online, proctored exams with webcam and microphone required.
Number of Exams: 2 exams covering:
- Life Insurance
- Segregated Funds
Question Type: Multiple choice
Time Limit: 75 minutes per exam
Number of Questions:
– Life Insurance and Segregated Funds: 35 questions each
Passing Grade: 60% per module
HLLQP Instructors
Don Xavier
HLLQP Instructor
Don is a 35+ year financial services veteran, TEDx speaker, and CEO with a passion for training licensed professionals.
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Damian Borges
HLLQP Instructor
Damian has 30 years of experience in sales, advanced marketing, and education within the life insurance industry.
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Rohan Singh
HLLQP Instructor
Rohan is a retired life insurance executive and business professor with 30+ years in product development and distribution.
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Akinyemi John
HLLQP Instructor
Akinyemi is a certified risk management expert with deep experience in both life and property & casualty insurance.
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Pricing
HLLQP Top-Up Program (Except Quebec)
Flexible Online
$174 CAD
SMART Learning Essentials™
Included in every plan — a complete learning system designed to help you understand, apply, and pass.
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If you don’t pass your provincial licensing exams,
you can re-take the course for free.
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Re-enroll anytime within a year.
Bonus Live Webinars
Expert-led sessions, always free.
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